The P/C Insurance Industry: Financial Update and Outlook

This presentation explains the current state of the P/C Insurance industry and forms projections regarding its future. Here are a few major highlights:

  • The insurance industry entered 2017 in very strong financial condition. The industry now has $1 of surplus for every $0.77 of NPW, close to the strongest claims-paying status in its history.
  • Regarding investments, most P/C insurer portfolios will have low-yielding bonds for years to come since nearly 50% of P/C bond/cash investments are in 5-year or longer maturities.
  • The strength of the economy will affect the exposure base across most lines. Business bankruptcies in 2014-16 were below both the Great Recession levels and the 2003:Q3 - 2005:Q1 period (the best five-quarter stretch in the last 20 years). Bankruptcies restrict exposure growth in all commercial lines.

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